Copied from another thread - Brendan
I have just switched from AIB to KBC for my current account as we took a mortgage with them and wanted the reduced mortgage offer.
I have found KBC to be excellent so far, customer service is excellent as they are very responsive and helpful. Their online offering is not as comprehensive as the AIB one but it is sufficient for my needs. I like the ability to use my phone to make payments rather than having to use the AIB calculator-like card reader. The quarterly fees and transaction charges are much lower when compared to what I was paying to AIB.
KBC also provided us with free house insurance for 1 year with our mortage.
I have also switched my credit card because they offer 1% back on groceries and online purchases up to €10 a month. I clear the card each month so I'm not sure if their credit charges are higher but it made sense for me to have my credit card and current account in the same bank and to get something back on my spending.
The one thing I have found a little more difficult is to get large amounts of cash. They are a cashless bank so you can only withdraw cash on your card up to a limit of €700 a day and you can't call into a bank to get more. I recently needed to pay for something in cash and had to transfer money electronically and then visit a bank.
Overall I'm a lot more satisfied with KBC than I was with AIB.
I have just switched from AIB to KBC for my current account as we took a mortgage with them and wanted the reduced mortgage offer.
I have found KBC to be excellent so far, customer service is excellent as they are very responsive and helpful. Their online offering is not as comprehensive as the AIB one but it is sufficient for my needs. I like the ability to use my phone to make payments rather than having to use the AIB calculator-like card reader. The quarterly fees and transaction charges are much lower when compared to what I was paying to AIB.
KBC also provided us with free house insurance for 1 year with our mortage.
I have also switched my credit card because they offer 1% back on groceries and online purchases up to €10 a month. I clear the card each month so I'm not sure if their credit charges are higher but it made sense for me to have my credit card and current account in the same bank and to get something back on my spending.
The one thing I have found a little more difficult is to get large amounts of cash. They are a cashless bank so you can only withdraw cash on your card up to a limit of €700 a day and you can't call into a bank to get more. I recently needed to pay for something in cash and had to transfer money electronically and then visit a bank.
Overall I'm a lot more satisfied with KBC than I was with AIB.
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